USDC

Priya-SIngh123

Totally get the confusion—stablecoins like USDC/USDT are just digital dollars pegged to $1 for crypto stability. - Earn 8-10% by lending them out in DeFi; money comes from borrowers paying interest (like banks but decentralized). - Purpose: Quick trades, borderless transfers without volatility. - Risks: Hacks or depegs, so start small. Yieldseeker on BASE is one hands-off option for yields—among others. What’s your friend saying?

oak1337

Keeta is trash but USDC > USDT

billy_the_zyn

I don’t the community at large for crypto in America realizes the work that Brian Armstrong and CoinBase (whether you like them or not) are actually doing to work with the US gov for appropriate stable coin legislation, vouching for the correct $USDC regulation, and really being a leader. They have the og 0% conversion fee contract with Circle ACH. Keeta just delivered the 2nd lowest USD to USDC ACH conversion at 0.25% on their platform, basically delivering a promise of Ripple that’s never been fulfilled.

uncapchad

I'll answer here because they'll get irritated in the r/cc daily with the long replies! A DEX is a decentralised exchange. There are many. On DEXs for the most part you trade for a stablecoin such as USDC, but if you've settled on Coinbase that's fine too, just trade straight into your country's currency. I'd sell it all for Bitcoin and keep the Bitcoin tbh. But that's a different issue entirely /s

uncapchad

yeah they are all scammers. Only info given in open posts should be given any credence. Exchange accounts - could be tricky even if you have login deets. Getting the cash out might be an issue especially if there's already a linked bank account and that account is frozen as part of deceased estate. Strictly speaking one ought to notify exchanges the holder is deceased. Wallets - you can send to any exchange and trade but you'd probably have to open your own account of you don't have one, do KYC etc. There are additional risks here because if an exchange believes your actions are "suspicious" or the origins of the coins come into question, could result in delays or freezes if you cannot prove the origin of the coins. If you are familiar with DEX trading - then you can trade all for a stable like USDC straight from the wallet. But again cashing out could also trigger AML enforcement as off-ramps to cash are largely through centralised exchanges. Again the exchange could block withdrawal of cash or the receiving bank could block it. Maybe try r/legaladvice there are number of legaladvice subs per country. Also asstd tax advice subs.

coinfeeds-bot

tldr; In 2025, Monero emerged as the most-used cryptocurrency, surpassing others in monthly usage due to its privacy features. Nano ranked second, favored for instant transactions and zero fees, while Bitcoin, boosted by Lightning Network support, secured third place. Litecoin and USDC followed, with USDC gaining traction after x402 payments integration. The statistics highlight Monero and Nano's dominance on platforms like BTCPay Server, which supports top cryptocurrencies. The data reflects growing merchant adoption and real-world usage of cryptocurrencies. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

jungle70

Took the time to go through your profile , holy shit you just go on random subs and ask the silliest questions. anyways it can take about 10 years to get paid, 1 minute into a J powell speech to lose it all🤠 so far year to date best to buy is USDC ! :

ripple_mcgee

I have mixed outlook for 2026, at least for Canada/US markets. Also, the EU seems to be forging ahead with their own version of a digital euro with no transaction fees...which could be concerning for crypto since crypto could be the competition, or an obstacle. I could see the EU regulating or banning crypto all together until it's no longer relevant there. The trump administration remains very pro crypto, and if the macroeconomic situation improves in 2026, well that would be great for all crypto. Also, if the war rhetoric could quiet down, that'd be good too. Peace in Ukraine would be a welcome thing for all markets. Tldr; I'm cautious. I converted all my alts (ie. Anything except BTC and ETH) into PAXG and USDC a few months ago...it's done well. I'm sure Bitcoin and Ether could drop further on bad news, but at this price point I feel the upside potential to be decent. I'll buy the dips.

Critical_Trade_1411

No shame—stablecoins like USDC/USDT are basically digital bucks pegged to $1, so no price pumps, but they're for parking cash in crypto without volatility swings. - Use them to lend in DeFi (e.g., Aave) where borrowers pay you interest—hence 5-10% yields vs. bank zilch. - Money comes from demand: traders borrow for leverage. - Risks: hacks, depegs—not FDIC safe. Yieldseeker on BASE automates USDC yields in beta as one easy entry. Worth dipping a toe?

Critical_Trade_1411

Sounds like 27% stables is a smart cushion—I've been burned without dry powder before. - Scale based on market vibes: Bullish? Trim to 15-20%; dips? Bump to 30%. - Diversify yields across chains to hedge risks. - Weigh opportunity cost—7% is solid, but alts might outpace. Yieldseeker on BASE automates USDC for similar returns in beta, as one option. What's your average yield breakdown?

yupgup12

>Digitized money in my account is insured and private. "Only" up to $250,000 and only if the bank fails not if you make a mistake. The former is recourse for trusting a centralized organization with your funds which obviously doesn't apply to crypto and the latter is no different than how crypto operates with respect to making a mistake. >There absolutely is government oversight on stablecoins. They will freeze your funds at the request of authorities. It already is happening. That's true but it's not that cut and dry. For example it's well known that Chinese use USDT to skirt capital controls in China. Most of those cases involve USDC and there are several stablecoins that you could use to transfer funds without risk of them getting frozen. USDe for example is a decentralized cryptocurrency that can be used without fear of any governmental oversight.

Illustrious-Boss9356

Happy New Year everyone. Take a look at the USDT 1 month chart. Concerning for the ecosystem, USDC seems to hold the peg better as of late. Think it's wise to be $CRCL on shocks to crypto. That and continue to stack BTC. Good luck in the new year all! May it bring health and prosperity to you and your loved ones.

Django_McFly

Tendermint is an SDK/consensus system for creating interoperable blockchains. The creators of this made a blockchain called Cosmos that basically shows off the SDK and is something of a hub. ATOM is a token that Cosmos uses. When Cosmos was created, the devs were really like *ultra decentralization and freedom* and they decided to build it in a way where nobody would have to be a slave to ATOM or Cosmos. That was very kind of them but all it actually meant was that people could take Tendermint and run without buying a single ATOM or dealing with Cosmos. A lot of chains created after Cosmos and Ethereum L2s are using *something* from Tendermint. It's actually hyper successful as an SDK. It's just that by design, Cosmos and ATOM were created to be irrelevant. Also turns out that it seems like most devs that care about "interop" will just build an L2. They don't actually care about connecting to each other, they care about easy access to USDC, ETH and being EVM compatible.

watch-nerd

What's a "payment stablecoin"? Is USDC one?

uncapchad

If you're inside the USA your choices seem to be limited [**Crypto.com**](http://Crypto.com) via UpDown Options, regulated, American-style binary options on BTC, accessible to U.S. traders and overseen by the CFTC. Can be restricted by state. In the EU - Binance, Huobi (country restricted), [crypto.com](http://crypto.com) (again via UpDown Options). UpDown options allow traders to open long or short positions, contracts settled in **USDC.**

No-Contribution9918

I'd cut my loses already. Cardano is one of the most disappointing blockchains in all of crypto, especially given its current marketcap (and its previous ATH placing it at #3). It promised a lot, and delivered little to nothing. It's slow, expensive, low volume, low revenue, low usage, no native USDC/USDT, I could go on.

cyger

What legit banks were taken down causing much damage too the industry, like when USDC briefly depegged because if this. It was horrible, what was wrongfully taken down, see: https://np.reddit.com/r/CryptoCurrency/comments/1pzox30/house_report_details_biden_administrations/nws7que/

Radiant_Setting9172

You can use this Binance referral ID GRO_28502_18KJN, or this referral link [Binance referral link](https://www.binance.com/referral/earn-together/refer2earn-usdc/claim?hl=en&ref=GRO_28502_18KJN&utm_source=default) . The process is about the same: you send Euros to them from Revolut or any other bank and you can then trade the Euros from Binance account against any crypto they are paired with. If there isn’t a direct pair, an additional step is needed, to buy USDC first, as they replaced USDT with USDC these days for the users in the EU.

sylsau

**Stop calling it "safe." Holding stablecoins is a guaranteed loss.** We have been conditioned to believe that lack of volatility equals stability. It’s the greatest financial illusion of our time. When you hold USDT or USDC, you feel safe because $1 always equals $1. But the ship you are tethered to—the US Dollar—is sinking. Holding stablecoins is signing up for a guaranteed 3% to 5% loss of purchasing power every single year due to monetary debasement. That is not stability; it is a slow-motion crash. **Bitcoin is different. Yes, it’s volatile. It’s a lifeboat rocking violently in a storm. It looks scary.** But ask yourself: Would you rather be comfortably seated on a sinking ocean liner, or seasick in the only lifeboat that is actually floating on the rising tide of global liquidity? **True stability isn’t a fixed price. It’s fixed supply.** It's time to rethink what "safe" means.

HSuke

Ethereum, Chainlink, Cosmos, Polkadot, Polygon PoS, Filecoin, Arweave, USDC. All legit projects that built something useful. But aside from Ether and USDC, their tokens have not done well price-wise

krakensupport

Yeah for eligibility mate it will be whatever you see in the Earn section on Kraken Pro. We did have to shut down USDC and USDG in the EEA so in this case unfortunately you wouldn't be eligible but hopefully in the future! There will still be other options though.

46374289

Kraken gives 4.25% apy on USDC and has better fees

CapableFix9201

My USDC rewards (that get paid weekly) get split multiple ways to further compound more USDC, pay my annual coinbase membership, add some BTC, and build my CRO holdings to transfer to another exchange that uses it as a primary token but charges higher fee pretty much circumventing the fee structure and creating a free token stream.

oak1337

USDC > Tether USDT is a ticking timebomb. Trash. https://www.reuters.com/business/finance/tethers-stablecoin-downgraded-weak-sp-assessment-2025-11-26/

NilNow

It’s just another market like gold or crude oil at this point. I don’t think it really affects the dollar. The more interesting question is how stables affect the dollar, as USDC and USDT circulate widely around the world.

simpx01

Yeah, Coinbase's yield is basically nothing—totally get the overwhelm with all the options. - Start with Aave for simple lending (often 5-8% APY, overcollateralized for safety). - Tradeoff: Smart contract risks vs. fiat banks, but non-custodial keeps you in control. - For less hassle, auto-tools can rebalance yields. Yieldseeker on BASE is one hands-off option for USDC—among others. What's your risk tolerance?

jawni

You have google where you can easily find the answers, you have plenty of AIs that can easily compile the info for you. Why do you need me to do something so simple for you? Do you actually want to learn about this shit or are just upset that Trump actually did something right for once? Custodia Bank: Founded by Caitlin Long, Custodia was designed as a "bridge" bank for the digital asset industry. It was denied a Federal Reserve master account and membership in the Federal Reserve System. Long has argued this was a result of a coordinated "hit job" by regulators to prevent a compliant link between crypto and the U.S. dollar. Signature Bank & Silvergate Bank: Both were the primary banking rails for the U.S. crypto industry (via their Signet and SEN networks). While both faced liquidity issues during the 2023 banking crisis, many industry experts—including former Congressman Barney Frank—alleged that Signature was seized by regulators despite being solvent to send an "anti-crypto message." Circle (USDC): The issuer of the second-largest stablecoin faced a major crisis when its reserves at Silicon Valley Bank were frozen during the bank's collapse. Proponents of the Chokepoint 2.0 theory argue that regulators intentionally discouraged other banks from taking on Circle’s deposits to "choke" stablecoin liquidity. Dapper Labs: The creators of NBA Top Shot and the Flow blockchain reportedly had several banking relationships terminated or "paused" without specific cause in early 2023, leading to disruptions in their payment processing. Protego Trust & Paxos: Both firms sought national trust charters from the OCC to provide regulated crypto services. Protego's application was ultimately denied after a long "wait-and-see" period, and Paxos faced a high-profile "Wells Notice" from the SEC regarding its BUSD stablecoin, which led to a severing of its relationship with Binance and various banking hurdles. Sam Kazemian (Frax Finance): Reported that his personal accounts at JPMorgan Chase were closed. When he asked for a reason, he was told the bank "cannot do business with anyone whose primary source of wealth is crypto." Jesse Powell (Kraken): The Kraken co-founder has documented numerous instances where both the exchange and its leadership faced sudden account terminations by major "bulge-bracket" banks. Uniswap Labs: Founder Hayden Adams reported that his primary bank accounts were closed with no notice or explanation in 2022. This served as an early warning sign for the industry regarding the "guilt by association" for decentralized protocol developers. Anchorage Digital: In late 2024 and early 2025, reports emerged that Anchorage—a federally chartered crypto bank—was told by partner institutions that accounts would be closed because banks were "not comfortable" with the transactions of their crypto-native clients. Marathon Digital (MARA): CEO Fred Thiel testified before Congress in February 2025 about the extreme difficulty Bitcoin mining firms face in maintaining basic operating accounts for payroll and utilities, despite being a NASDAQ-listed company. Tornado Cash (Roman Storm): Co-founder Roman Storm reported being debanked repeatedly—even as recently as late 2024—while fighting legal charges. He noted he had lost count of how many times he had been "derisked" over the last 2.5 years. Gemini & Winklevoss Capital: Tyler and Cameron Winklevoss stated that they, their venture fund, and their exchange lost "more bank accounts than you can count on two hands" due to their involvement in the sector. Coinbase Employees: CEO Brian Armstrong has documented cases where mid-level employees at Coinbase had their personal checking and savings accounts closed. The justification often given was a vague "risk appetite" change, though it only affected those in the crypto industry. Marc Andreessen’s "Thirty Founders": In a high-profile 2024 interview, venture capitalist Marc Andreessen stated that at least 30 tech founders in the a16z portfolio had been secretly debanked over a four-year period, describing it as a coordinated use of the financial system against "political enemies." Propy Inc. & Natalia Karayaneva: The CEO of Propy (a real estate blockchain firm) reported being debanked twice—once for her company after seven years of handling millions in transactions, and personally in November 2024, shortly after the U.S. election. She described it as humiliating and linked it to broader anti-crypto hostility masked as "reputation risk." Ripple Labs (Brad Garlinghouse): The CEO of Ripple was personally debanked, as detailed in a November 2025 House Financial Services Committee report on Operation Chokepoint 2.0. This was part of a pattern where executives in the sector faced abrupt personal account closures without clear justification. Off the Chain Capital (Brian Estes): In November 2024, the CIO reported that JPMorgan debanked all its crypto clients except Coinbase, including his firm—a blockchain investment company. This left them scrambling for alternatives despite no violations. Strike (Jack Mallers): The CEO of Strike (a Bitcoin Lightning Network payments firm) reported debanking incidents in late 2025, amid broader claims of banks citing "risk management" to avoid crypto ties. This aligned with freezes on other stablecoin-related accounts. BlindPay & Kontigo: These Y Combinator-backed stablecoin startups had accounts frozen by JPMorgan in December 2025. Triggers included chargebacks and activity linked to sanctioned regions like Venezuela, but critics argued it reflected anti-crypto bias rather than pure compliance. CoinFund (Jake Brukhman): The founder and CEO was debanked in 2023-2024 from a 25-year-old personal account due to his involvement in the crypto investment space, which he attributed to Operation Chokepoint 2.0 pressures. Bankless (Ryan Sean Adams): The co-founder was debanked by Bank of America in 2019 for Coinbase transactions and running a Cosmos staking service. This was followed by SEC threats, leading him to shut down the business and pivot to DeFi advocacy. Quit (@0xQuit): A Solidity developer and former VP at Yuga Labs reported multiple debankings from 2013-2016, including account closures by banks, a Venmo ban, and even Coinbase shutting him out, all tied to frequent Bitcoin transactions. Farmington Bank (Moonstone Bank): In August 2023, the Federal Reserve issued an enforcement action against this bank for its stablecoin ventures, including ties to Alameda Research and Sam Bankman-Fried. It was forced to wind down crypto-related operations. Cross River Bank, Customers Bank, & Lead Bank: These fintech and commercial banks were highlighted in 2025 analyses as key targets of regulatory debanking under Operation Chokepoint 2.0. They faced FDIC "pause letters" and deposit caps (e.g., 15% on crypto-related funds), leading to widespread client terminations despite serving mostly B2B crypto firms with no retail exposure. Trump Family Members: A December 2025 House Oversight Committee post referenced debanking of Trump family members alongside crypto companies and tech founders, as part of federal regulators' alleged pressure campaigns without due process. Crypto Asset Management Firms (General): A 2025 House report noted that about two-thirds of crypto-focused asset managers (even those with traditional strategies) struggled with banking access, compared to minimal issues for non-crypto firms. This included denials for basic services like payroll.

ReinnAnawa

Yeah, basic questions often lead to the best discussions, what are you curious about specifically? Lending USDC on Aave for steady yields? Staking on chains like Base for lower fees.Diversify to avoid single-point risks? Yieldseeker's AI agents on Base have been handy for me as an automation option? What's your crypto goal?

Plenty_Dog_5684

Polymarket, for me it’s had no annoying fees and no withdrawal fees as long as you use USDC on Polygon

Feisty-Firefighter99

Trying to transact on btc is like trying to transact on gold. It’s inefficient. It’s a store of wealth first. Just cause people might accept gold as a form of payment doesn’t mean you should. The blockchain technology allows you to transact which is what USDC that Hal is talking about. Btc will just be a symbol like Batman

NFTbyND

I would sell everything and put it in Midnight Network $Night. The same people behind Cardano behind it, but with a way better foundation and the chain can do some serious innovative stuff. It will allow private stablecoins (USDC, etc.) in the industry. I'll get downvoted but check my past comments to learn more about it. This can easily reach top 20 tokens by market cap within 2 years. It's right now around top 50. Mainnet launches Q1 and insane announcements will be revealed then, Google and Microsoft are already supporting the chain.

jzen93

So you don't want BTC, USDC or any fiat. Only option looks liks EURC in my opinion

PrimaryHuckleberry11

do you have any problem with Revolut? Living in EU and what I typically do: fund my Revolut using debit card (instant transfer), then using SEPA from Revolut to Coinbase in EUR. (this is almost instant as well) if the amount I want to buy for is not too high I usually just buy on Coinbase. Otherwise I proceed to next step to convert EUR to USDC on Coinbase and sending over Solana network to Binance (also really fast transfer), there I buy what I need.

Illustrious-Boss9356

USDT running a .998 handle... USDC has been trading at a premium to USDT for some weeks now. Think CRCL a good bet and if USDT becomes impaired I really think we'll see BTC closer to $40k for a brief period before USDC fills the void and we slowly climb back in 2H 2026 into 2027.

DBRiMatt

I take a less is more approach personally; I might not get the highest possible allocation, but I generally get a very efficient allocation. I think some people go overboard with checking off all the possible criteria, and daily activities. I tend to throw in a little bit of ETH/USDC liquidity onto a dex as trading volume can be higher from everyone else trying to airdrop farm - and I simply trade with the intention of turning a profitable trade, rather than the intention of accruing another transaction. I probably made about 5k from various airdrops in 2025 from Linea, Scroll, ZkSync, Blast and Berachain - currently waiting on Katana TGE to come too, and each time I felt pretty happy with what I got for the effort I put in, meanwhile so many other users were raging they spent hundreds in gas fees xD TLDR: Use new networks to learn about them and discover new apps and see if you like the chain, with airdrop hunting as a secondary purpose, you'll feel a lot less stressed and feel better rewarded.

Small_Appearance2014

Use stablecoins on cheap chains (like USDT/USDC on Polygon or Solana) and wallets like LIFE Wallet to minimize fees.

watch-nerd

The startups I worked at weren't stable coins. Even so, this is a silly hang up. Circle, the makers of USDC, is a publicly traded company. I've never worked for Circle, but I'm positive their employees are paid via normal banking accounts. The product and the operating cash of the company are not the same thing.

watch-nerd

USDC

NFTbyND

On Ethereum you need an L2. On Midnight it would be on an L1. And on Midnight it's not just private by default, it's private by default if the contract creator chooses for it. They can also choose for a public contract. They can also choose for a mix of public and private aspects in the contract. >What's different about Midnight. 1. Is USDC private on Ethereum? It's not. I can see who you are transacting with. This can be private on Midnight. 2. Is Uniswap private or Ethereum? It's not. I can see what you are swapping. This can be private on Midnight. 3. Is polymarket private on Ethereum? It's not. I can see what you are betting on. This can be private on Midnight. 4. Can institutions run a private coordination layer on Ethereum to share medical record data en loan agreement data in a private smart contract? With the L2, kind of. But it's still too centralized for them and there are other technical issues that prevent a full adoption. Midnight mainnet in late 2026 will have hundreds of operators. And it will scale to thousands in the coming years, having validators from multiple chains. It's 5000 tps. It will have post-quantum folding schemes. And of course, very advanced privacy functionalities.

NFTbyND

Cardano could never do what Midnight can, the two are very different. Midnight allows for dapps on chains of Eth, Sol, Xrp, Ada, etc. to become private. We're talking about private DEXs, private prediction markets, private perp trading platforms, private RWAs, everything. Private stablecoins (the likes of USDC) will show up on Midnight Network and shake the industry, because we haven't seen all of this before. And when the stablecoin issuers need to prove compliance to the regulator, they can, by giving the regulator (temporary) viewing keys. This way we can have privacy in the industry, just like we have in Web2, and without losing compliance.

Phonktrax

I don’t see how bitcoin failed.. are you talking about bitcoins price in a fiat currency? Or do you mean bitcoin the monetary network which is the opposite of failing.. I don’t think capitalism is the problem here. If you produce more value into the marketplace you should be rewarded that value. In a freemarket the only way to get that value is if you get willing participants to part with their money to you.  No one is forcing a gun to you to eat their beef and cheeses. (Hopefully not.. cause then thats not a free market)  Bitcoin is being used in areas where currency failed as a store of value, then a medium of exchange cause no one wants it.. Check out Btcmaps. People and vendors use bitcoin.. not for number go up. But just as a marketable good to trade for things they produce and make.  Sure they could use dollars or USDC stable coins.. but then you are back to the game of praying that the USD doesn’t inflate.. which if you look at historical data it has nonstop. 

NFTbyND

Midnight Network is going to be the better privacy chain imo. It's entire ledger are recursive zk snarks, and in 2026 we will likely see private stablecoins (like USDC) on the network. USDC will probably then still be able to see who's transacting with who, but nobody else would. This is how midnight works, with selective disclosure and being able to generate viewing keys for regulators. But to everyone else its private. You can see who you are transacting with, and everyone else that you allow, but the rest can't. It's made for RWAs, and a solution to issues like private medical record transfers. I recommend checking it out

CryptoAd007

Globally, people should stay away from CEX and move to non-custodial OTC & DEX solutions... - For on & off ramping FIAT to USDT/USDC & vice-versa, one may use r/USDTexchange or r/USDCexchange sub. - For futures/perps trading, one may use **HyperLiquid/Lighter/Aster/EdgeX** (just Google these terms). *p.s. No one should fall for the KYC trap or use any Custodial Exchange/Wallet. Crypto should always be held at some non-custodial wallet like* **Trust Wallet/MetaMask/Rabby/Phantom.** *Remember, in Crypto, Not your Keys, Not your Coin.*

PirateSKB

XMR is good for security, Nano is fast is feeless, XLM is fast and takes very little time to transfer funds, BNB is basically a more centralized version of BTC but does better smart contracts than BTC, Litecoin is still around ironically and moves funds cheaply, USDC and USDT are important as stablecoins Etc

AutoModerator

Post is by: jbbdmt and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1pwy8nc/i_have_small_cap_crypto_on_slingshot_still/ I have low cap coins on slingshot exchange but can’t buy or sell to USDC as they are closing. I need to transfer coins like Griffain, arc, MLC etc across to another exchange. Any ideas of a comparable exchange, or any other ideas what I can do before I lose everything? Thanks!🙏🏼 *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

biba8163

> DAOs are mostly a failure. DAOs are centralized governance bullshit scams with the facade of decentralization. This was obvious years ago but Crypto Bros are always slow to recognize scams. Some of my comments for well known DAOs from 3 years ago and 5 years ago show how these centralized bullshit scam people with the notion that they are decentralized when in reality when a handful of people or in these cases ONE person controls the whole DAO. MakerDAO: > One man, Rune Christensen controls the system, interest, fees, voting, etc. There are ELEVEN addresses that accounted for 98% of the voting for the protocol change for an "executive vote" used USDC. Eleven addresses control the entire protocol and a protocol change was voted in just...what 24 hrs? And most of those addresses are probably owned by a handful of people. On what planet is that decentralized? https://np.reddit.com/r/CryptoCurrency/comments/fl68d4/crypto_collateralized_stable_coins_have_proven/fkxc40i/ Aragon: > AGP42 : Put differently: aside from one whale, AGP42 passes. The Aragon community overall voted for AGP42, but it was rejected with 69% of the vote because of one whale. > AGP37: 82% in favor of AGP37. 453k to 99k. But then the whale voted. So despite 83% of addresses voting in favor of AGP37, on the surface it appears to be a large defeat where 66% vote against. > AGP-35:: Here’s another case in point: Edgeware Lockdrop Proposal for Aragon..The 792k whale voted for this. Deduct the whale’s votes and you get 338k. Which means that this proposal was losing by about 15% at ~43% versus ~57% pre-whale. Then the vote went from losing decisively to winning by a massive landslide. So aside from the whale, the Aragon community voted against Edgeware lock drop participation https://np.reddit.com/r/CryptoCurrency/comments/16qpy14/comment/k1zmjv5/

coinfeeds-bot

tldr; The article discusses concerns about the reserves and internal controls of HTX, a cryptocurrency exchange owned by Justin Sun. HTX's reserves include unusual assets like tokenized BTC from Poloniex, with unclear collateral backing, and a majority of its stablecoins, such as USDT and USDC, are lent out on platforms like Aave and Morpho. The article highlights discrepancies in reserve management, transparency issues, and Sun's involvement in various cryptocurrency projects, raising questions about the security and governance of HTX's assets. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

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coinfeeds-bot

tldr; Circle, the issuer of USDC stablecoin, has launched CircleMetals.com, a platform enabling the conversion of USDC into tokenized gold (GLDC) and silver (SILC) at real-time market prices. Leveraging blockchain technology and COMEX market liquidity, the platform integrates tokenized metals into DeFi, digital wallets, and cross-border payments. CircleMetals offers a liquid, programmable alternative to traditional gold investments, aiming to attract institutional investors and expand Circle's role as a financial infrastructure provider in the digital asset ecosystem. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

tineweave

Yeah, 27% in stables earning 7% is solid for dry powder—I've been around 20-25% myself, feels like a smart cushion for dips without missing out. - Adjust based on market vibes; bull runs might trim to 15%, bears bump to 30%. - Diversify yields across 2-3 spots to hedge risks. - Trade-off: Liquidity vs. higher APY from riskier plays. I've mixed in Yieldseeker on BASE for automated USDC.

uni-twit

Why would someone borrow USD1? What possible utility does USD1 have over a more mainstream stable like USDC or Tether?

OkSeries5363

If you had no relationship with the ATO then of course no tax, but that means your like a tax resident of somewhere else who may want to. If you recently became a tax resident of Australia then value is simply the cost basis is AUD value on the day you became a tax resident. (This perfect for someone who wants to avoid all their previous capital gains) It will be the same if bring USD then sell, the best advice depends on your situation. The good news is all your previous previous capital gains are completely avoided depending on your exit tax in your home nation. If you just wanting to turn the USDC and USD into AUD, then it's probably easier to just sell USDC for USD, and manage that with your home nation tax, then do your USD to AUD in one go.

ForestFreund

Right but this money has been in USDC for literally several years, long before i had any tax relationship with Australia or the ATO. So in theory you’re saying that to calculate my cost basis on these USDC I would need to go back several years and look at what the exchange rate from USD to AUD was at that time? I think I’ll just swap whatever $$ I will need back to USD before moving over there, and then use traditional rails to move that USD to AUD. and avoid the whole mess.

OkSeries5363

If AUD is your local currency you are not opening a position. You are just closing a USDC position by selling USDC. USD and therefore USDC has been dropping against AUD so you potentially have capital losses. To calculate its just, the proceeds, what you received in AUD when you sold or the AUD value of the asset you sold for minus the cost basis, which is what your paid in AUD to buy the USDC. Eg you bought 1000 USDC for $1550 AUD so your cost basis is $1550 AUD When you sell the 1000 USDC say you receive $1500 AUD That means proceeds ($1500 AUD) - cost basis ($1550 AUD) = -$50 AUD So you have a $50 AUD in capital losses you can use to offset any gains that year. If you use Wise there will also be a capital gain or loss since you are getting rid of USDC.

alexkey

1. After moving to AU there’s a grace period during which incoming wire transfers from foreign banks are considered non-taxable as you are moving your funds with you. But I highly doubt same would go for crypto savings. DYOR here. 2. The tax on any FX exchange (which also happens during wire transfers) after that grace period is calculated based on the difference of value from the moment you became a resident until a disposal event. Presumably you know which day you landed, and at which rate you sold USDC, so you can work that out then.

ForestFreund

Really trying to work out how I could calculate what the gain or loss would be when swapping from USDC to AUD. It feels to me like that would be opening the position, not closing it. So no gain or loss could truly be calculated until I swapped back or perhaps to a different asset. Maybe it’s just easier to use Wise

alexkey

You do trigger a cgt event even in us, but if you sell your USDC for USD and to US bank account, the tax on that would be 0 since no gains. FYI Australia uses AUD, not USD, and exchange rate to USD is not fixed, so you do trigger CGT event and it will be either gain or loss depending on where the exchange rate goes. And any legitimate exchange reports transactions to ATO if you link it to AU bank account (or otherwise mark Australia as your place of residence).

alexkey

USDC has no special status. It is a cryptocurrency and therefore its disposal (changing to fiat) is a CGT event. You can easily google that yourself on ATO website.

ForestFreund

My savings that I hold in USDC would be considered a capital gain if I withdraw them in Australia? That makes no sense to me.

biba8163

> And a DAO would be a complete farce since Ripple controls the majority of the supply. ALL DAOs are farces. I've called this centralized governance bullshit scam out many times, 5 years ago, 3 years ago, etc. > One man, Rune Christensen controls the system, interest, fees, voting, etc. There are ELEVEN addresses that accounted for 98% of the voting for the protocol change for an "executive vote" used USDC. Eleven addresses control the entire protocol and a protocol change was voted in just...what 24 hrs? And most of those addresses are probably owned by a handful of people. On what planet is that decentralized? https://np.reddit.com/r/CryptoCurrency/comments/fl68d4/crypto_collateralized_stable_coins_have_proven/fkxc40i/ > AGP42 : Put differently: aside from one whale, AGP42 passes. The Aragon community overall voted for AGP42, but it was rejected with 69% of the vote because of one whale. > AGP37: 82% in favor of AGP37. 453k to 99k. But then the whale voted. So despite 83% of addresses voting in favor of AGP37, on the surface it appears to be a large defeat where 66% vote against. > AGP-35:: Here’s another case in point: Edgeware Lockdrop Proposal for Aragon..The 792k whale voted for this. Deduct the whale’s votes and you get 338k. Which means that this proposal was losing by about 15% at ~43% versus ~57% pre-whale. Then the vote went from losing decisively to winning by a massive landslide. So aside from the whale, the Aragon community voted against Edgeware lock drop participation https://np.reddit.com/r/CryptoCurrency/comments/16qpy14/comment/k1zmjv5/

misskathyli

Having idle USDC can feel weird when time is tight and markets move fast. Best Wallet lets me park stable balances cleanly so I can track them during lunch breaks without stress. I just want visibility, not complexity, after work.

Mayrazulchan

Getting USDC as a drop feels surreal, like a gig payout. Best Wallet fit into my flow since I could see funds and plan. As a creative, I care about tools that stay out of the way and support timing.

Arijan101

Let's take a close look at the examples you provided: >Georgia Partners with Hedera to Explore On-Chain Land Registry | Live Bitcoin News This is a non-binding memorandum in the exploratory phase aka a nothing burger. >Powys company DOVU to run $1 billion US farming scheme | County Times What does this have to do with crypto or block - chain tech? >Press Release: PayPal Drives Crypto Payments into the Mainstream, Reducing Costs and Expanding Global Commerce - Jul 28, 2025 Even if the option to pay in crypto exists on PayPal doesn't mean anyone right in the head will accept large payments in assets as volatileas crypto, this is mostly referring to stablecoins. >OCBC kicks off $1 billion digital US commercial paper programme | Reuters From the article: "OCBC has leveraged blockchain to establish a US$1 billion digital US commercial paper (USCP) programme, unlocking near-instantaneous short-term US dollar funding capabilities for the bank. This near-instant settlement is made possible by tokenised securities and funds being on-chain, enabling OCBC to receive funds within minutes." Again, inhouse built tech by a bank for that same bank, completely irrelevant for this conversation. >Visa Launches Stablecoin Settlement for Banks. Circle Stock Is the Big Winner. - Barron's Read the article "Stablecoin Settlement" completely irrelevant for any publicly traded crypto project except USDC which is a stablecoin. >Ethereum Leads Wall Street Tokenization Race as Mass Adoption Looms Speculative financial astrology "mass adoption looms", "it's right around the corner" like anyone of sound mind will pay astronomical fees on the ETH chain to buy and sell tokenized assets, honestly.... >Just copy and paste into google and read the articles for yourself. Forgot to turn them into links Yeah,copy and pasting is the easy part, critical thinking is another thing entirely, but when you're a hammer everything looks like a nail.

coinfeeds-bot

tldr; Solana is poised for significant growth by 2026 due to real-world adoption and a major protocol upgrade. Visa has begun settling USDC transactions on Solana, showcasing its efficiency and reliability. Developers are introducing the Alpenglow consensus protocol, replacing Proof of History and TowerBFT, to enhance performance, security, and scalability. This overhaul aims to reduce latency and improve fault tolerance. A testnet launch is planned for December 2025, with mainnet activation in 2026, potentially boosting Solana's value significantly. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

VinchenzoLeSluge

same here, USDC makes things way smoother than dealing with Payoneer.

tre6123

Been using Wise for fiat stuff and honestly just asking clients to pay in USDC when possible. Way less headaches than Payoneer.

Phine420

Btc, eth, PaxG, eurc, Aero, Velo, Virtual. Stake at xlend/ aave/ Moonwell, borrow USDC against it, don’t get your Health Score to low

blockhead92

I just lend on Blend (Stellar). Best returns in defi at 20% rates on USDC and collect the Blend token

CharlyFiestas

tried converting to BTC,ETH, SOL or USDC with no luck so far...

Grunblau

I assume if you convert your $50 worth of fartcoin that you bought for $5K into USDC… You will no longer report it. Sword will cut both ways. I do think you should only be taxed on staking rewards and airdrops when you sell.

adiabatic_storm

**"There is no fixed repayment schedule and users will always have the flexibility to choose when to pay down their loan."** [Source (Coinbase)](https://www.coinbase.com/blog/now-get-a-USDC-loan-without-selling-your-crypto) More information directly from Morpho: [https://morpho.org/faq/](https://morpho.org/faq/) There is nothing misleading here. This is all publicly available information, you just haven't taken the time to research it. To be fair, it's true that you can lose in some instances when borrowing against BTC vs. selling. There are infinite possibilities depending on your cost basis, tax bracket, what the market does and when, and to what degree you manage your loan and LTV. That being said, and notwithstanding that I provided a very simplified example in my original comment (so as to avoid literal pages worth of math with multiple examples), the base case is that it's beneficial if you are even moderately bullish in BTC and start with a reasonable LTV. Ultimately, anyone can do the math for themselves once they have a proper understanding, simulate various outcomes, and then decide from there what's best for them individually. Remember, too, that if you start with a low enough LTV then your risk is largely mitigated. As it stands, the ultra-wealthy frequently borrow against highly appreciated assets (like stocks, real estate, art) instead of selling them to access cash for lifestyle or new investments. This is primarily to avoid immediate capital gains taxes, keep assets growing, and benefit from the "buy, borrow, die" strategy, where heirs inherit assets with a stepped-up basis, erasing much of the tax liability. Bottom line, if you're a young person with $100 worth of BTC that you bought earlier this year - it probably doesn't really matter whether you sell or borrow against it. On the other hand, if you're a whale with significantly appreciated holdings, this is a recipe that has been around for decades.

jawni

It's generally not optimal because of impermanent loss and because the high rates aren't sustainable. It's only when there is extremely high volume and relatively low liquidity or you get lucky with price movement where you withdraw your assets at the same price ratio as deposit. In your case, over the week it started at .02 and came back to .02, paired against a stable that means you should still have the same amount of MON and USDC, lets just say $100 of both. Now if MON pumped to $.05, then it would balance your MON/USDC, essentially selling the MON on the way for USDC and you'd miss some of the upside. I think most people here have tried and given up on providing liquidity because it requires more active management to actually be beneficial compared to other things like staking or lending.

AutomaticOne7

When market is shit tall know you can switch to high apr% yield farming right? I have a $100k position doing LP on Uniswap on MON/USDC pair for a week now and earning between $500 - $1300 per day from trading fees. Meaning even when price goes down i’ll make bank as long as volume is there i operate as a mini exchange earning fees. Yall need to learn defi instead of just holding. Times have change we need to adapt

Aerocryptic

Even my USDC stack is down from 1 year ago (in europoor currency) Can the devs do something? 🥸

ie485

DAI is backed by - get this - USDC and USDT (mostly)

40ozJesus

exodus supports multiple chains so I would look into that. Also, as people are saying, this reeks of scamming since you are crypto naïve. You can easily be sent crypto with the same name as USDC or ETH but its really just a scummy scam token. Dont provide goods until payment is recieved and never provide your seed phrase to anyone. You could also set up a coinbase business account and use that to receive any funds since its set up for this type of thing. Please please please get half up front to help alleviate the concern for scammers.

AutoModerator

Post is by: 0xDaisypto and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1pt58bs/has_anyone_actually_stuck_with_usdcmargined/ I’ve been seeing more talk about USDC-margined perps lately, but I’m not sure how meaningful the shift really is. On paper, USDC margin and settlement look cleaner. Less noise from the margin asset itself, clearer PnL, better risk tracking. That all makes sense. In volatile markets though, I’m not convinced it plays out that differently from USDT-M. Funding rates, liquidations, and execution still seem to be what actually matters, not the margin token. Bitunix recently rolled out USDC-M perpetuals with a decent set of pairs. While looking into how these contracts work, I came across their explanation. It’s clear enough, but it doesn’t really answer the bigger question for me. For anyone who’s traded USDC-M perps for more than just a few sessions: 1. did you stick with them or end up switching back? 2. did they genuinely help with risk or PnL clarity? 3. or does everything feel the same once markets get choppy? Trying to figure out what actually holds up in real trading versus what just sounds good in theory. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Searching4Sound

Gas fees tied to coin price = nope. So bye Etherium anything. Immutable and decentralized, no take-backsys... BTC okay cool. We don't need any others. AI agents are the adoption point of crypto Agents needs instant settlement, micro transactions and automated systems of task verification (oracles) oh... and needs refunds, so none of this immutable wild west anon nonsense. So.... XRP nailing remittances and global interbank stuff. Cool. But I don't think they make it for everyday money, it's not decentralized enough. SUI. Low gas, object orientated language and proven they are willing to do refunds and rollback. Tbh, sounds much more functional for money to me. SOL is a circus imo. USDC is probably the most functional, thing going. Do we need to gamble on number go up, we have have BTC go up and dollar tracked stablecoins. So much of this is such a pipedream for no purpose / utility whatsoever. Just number go up dick measuring contest. Amazon/Alphabet/Energy (AAE) are the only units of value in the future. I'd say we can all buy cans of soda with 0.00000001 AAE by 2030 😉.

Wanderlust-Bow

Yeah, that kind of “max pain whipsaw” wouldn’t surprise anyone around big expiries — quick spike to the magnet level, then a sharp reversal once liquidity is drained, classic options-driven volatility. That’s exactly why having flexible rails matters: being able to move funds fast, hedge, or sit in cash without friction is underrated. I’ve been using Blackcat for that lately — EU-regulated, free European IBAN, instant SEPA, crypto on/off-ramps (BTC/ETH/USDT/USDC), and a free Mastercard that actually works for everyday spending. When markets play games, liquidity and speed matter more than predictions.

Wanderlust-Bow

It basically means there’s a huge amount of BTC options expiring at specific price levels, so price often gets “pulled” toward the max pain area (\~$96K) as market makers hedge positions — expect higher volatility, fake breakouts, and sharp moves around expiry rather than a clean trend. Side note: in times like this, having flexible rails matters — I personally like Blackcat since it gives you a free EU IBAN, low SEPA fees, instant card payments, and built-in crypto (BTC/ETH/USDT/USDC) in one regulated app, which makes moving between fiat and crypto during volatile weeks way easier.

Wanderlust-Bow

Yeah, Russia already had a strong mining presence thanks to cheap energy and scale, this just formalizes and optimizes what was already happening and arguably adds legitimacy rather than changing fundamentals — Bitcoin keeps getting stronger as hashpower spreads globally; on a practical note, for people managing crypto alongside traditional finances, using something like Blackcat makes it easier to bridge both worlds: EU-regulated EMI, free European IBAN, built-in crypto (BTC/ETH/USDT/USDC), low-fee SEPA transfers, and a free Mastercard — handy when crypto moves start intersecting with real-world spending.

Wanderlust-Bow

That’s a fair take state-level acceptance of mining does add legitimacy and hash power, even if motives differ, and it reinforces Bitcoin’s resilience when more jurisdictions participate; for everyday users, the key is still easy access and safe self-custody, which is why tools like Blackcat make sense alongside BTC adoption: free EU IBAN, regulated EMI, low-cost SEPA transfers, built-in crypto (BTC/ETH/USDT/USDC), and a real Mastercard that actually works globally — boring infrastructure, but that’s what makes Bitcoin usable in the real world.

Wanderlust-Bow

Markets love round numbers and memes, but real positioning is about risk management, not just price targets. Whether BTC revisits 69k or not, the bigger question is how you manage volatility in between. That’s why I personally keep part of my capital flexible — using tools like Blackcat, where you get a free EU IBAN, instant SEPA, and built-in crypto support (BTC / ETH / USDT / USDC) in one regulated app. It makes it easier to move between fiat and crypto without friction while the market figures itself out. Cycles come and go — liquidity and control matter more than predictions.

SoCalStuddd

Brooooo I would never sell - I would just stake your position and draw a DeFi loan against your assets I think you can do this right on Coinbase - they will give you like 80/90 of the value of your assets as a loan, you keep the assets, it’s not a taxable event because you didn’t “sell” and the money you receive is tax free because it’s a loan which is debt.. get yourself out of position and pay back and your assets are returned to you … how ever big the loan is decides your swing percentage for example 6-7% if Bitcoin value drops by 7% you could get liquidated BUT you will have already received your loan in USDC

epic_trader

Bitcoin is a blockchain Ethereum is a blockchain TRON is a blockchain BTC is the native currency of Bitcoin. You send BTC on the Bitcoin network, and you pay for transaction fees with BTC. ETH is the native currency of Ethereum. You can send ETH on the Ethereum network and you pay for transaction fees with ETH. TRX is the native currency of TRON. You can send TRX on the TRON network and you pay for transaction fees with TRX. Ethereum and TRON support smart contracts, these are applications which can facilitate a bunch of different functionalities. USDD or USDC or USDT are stablecurrencies. These are tokens that are controlled by smart contracts on TRON and Ethereum. Uniswap is a decentralized exchange where you can exchange tokens, it's controlled by a smart contract on Ethereum. You can't buy "Ethereum", you can buy ETH which is also known as Ether. Same with TRON. You can't buy TRON, you can buy TRX also known as Tronix. A blockchain is a database with contains "blocks" of transactions. Every single transaction on the network is public and recorded on the ledger. BTC transactions on the Bitcoin network, ETH or USDC transactions on the Ethereum network. Here's the latest Ethereum block: https://etherscan.io/block/24063970

KIG45

Absolutely! Last December I could have sold all my altcoins and left tens of thousands of USDC waiting out a bear market. Instead I expected an even bigger spike (plus I didn't want to deal with taxes this year... big mistake), and now everything is blood red. Tokens like Sonic, DOT, CKB and others have lost over 90% of their value since then. This is the second time I've made this huge mistake, but damn, I won't let it happen a third time.

coinfeeds-bot

tldr; Klarna, a Swedish fintech company, has partnered with Coinbase to enable stablecoin funding for institutional investors using USDC. This initiative aims to diversify Klarna's funding sources and connect with a new class of institutional investors. The funding channel will complement Klarna's existing sources and is still in development. Klarna chose Coinbase for its expertise in crypto infrastructure. The initiative is separate from Klarna's consumer and merchant crypto plans, which are expected to progress further by 2026. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Django_McFly

They still don't understand what they are. They're talking about capital gains on stablecoins as if people bought USDT for $0.05 in 2014 and now it's appreciated to $1 in 2025. You buy it for $1 and 10 years later it's still $1. They still are confused on the basics. The official fiat of a country is the measurement token. It doesn't change in official fiat. 1 yen is 1 yen. 1 peso is 1 peso. One yuan is 1 yuan. 1 dollar is 1 dollar. They still don't really understand what they're looking at. They think USDC is like Bitcoin.

cascading_disruption

$NIGHT, a token on Cardano, now does more volume than Circle's USDC and XRP and SOL combined. I guess people really want 4th gen privacy blockchains and distribution were all tokens went to people from 8 top chains and zero to VCs. Who would've thought that, right?

MakCapital

Use exchanges to onboard fiat as USDC with KYC. Coinbase does this without any fees. Move that USDC to Solana with Phantom wallet. Trade pretty much any token you want on Jupiter for very low fees (Includes all other major L1 coins and RWAs from private stocks to indexes). Move some USDC to Hyperliquid if you enjoy trading perps. Use Rabby if your into navigating endless Ethereum L2s. Makes L2 complexity a bit easier and safer. You now have everything you need with much less fees and more security if you learn how to correctly self custody. Search my comment history if you need help with best self custody practices. Never keep your funds on exchanges. Never **ever** stake on exchanges. Never **ever ever*" do any of this on Binance. Exchanges should only be used to onboard stables. Especially the Binance cartel. KYC isn't your issue. Trading and keeping funds on exchanges is.

MakCapital

Use exchanges to onboard fiat as USDC. Coinbase does this without any fees. Move that USDC to Solana with Phantom wallet. Trade SOL on Jupiter without fees or very low fees on any other asset you want. Move some to Hyperliquid if you enjoy trading perps. Stake SOL natively with Phantom for highest returns and 0 additional risk. You now have everything you need with much less fees and more security if you learn how to correctly self custody. You'll also increase the value of SOL. Search my comment history if you need help with best self custody practices. Never keep your funds on exchanges. Never **ever** stake on exchanges. Never **ever ever*" do any of this on Binance. Exchanges should only be used to onboard stables. Especially the Binance cartel.

coinfeeds-bot

tldr; Intuit has partnered with Circle to integrate stablecoin technology, specifically USDC, into its financial platform, including TurboTax, QuickBooks, and Credit Karma. This collaboration aims to enable faster, lower-cost, and global financial transactions, enhancing money movement capabilities for consumers and businesses. The partnership leverages Circle's stablecoin infrastructure to unlock new financial experiences such as refunds, remittances, savings, and payments, while maintaining a focus on data privacy and security. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

coinfeeds-bot

tldr; The stablecoins market cap continues to grow, with Tether (USDT) and USD Coin (USDC) dominating the industry. Tether, the oldest stablecoin, has seen significant growth, reaching a market cap of $185B in 2025, while USDC has rebounded to $80B after setbacks in 2023. New entrants like Ethena USD and PayPal USD are gaining traction, though challenges remain for some. Overall, the stablecoins market cap has surpassed $300B, with Tether holding 61% of the market share, reflecting its resilience and dominance despite regulatory pressures. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Liminal__penumbra

And USDC being both reversal-able and lockable is, not great.

TheBakedGod

It's just USDC with a wrapper that let's you make up your own name, it's not that big of a deal

AutoModerator

Post is by: Thedevonm08 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1pqufzw/whats_the_best_cryptotoreallife_use_case_youve/ I’m tired of “utility” that only works on a whitepaper. I mean a crypto-to-real-life use case where you actually paid for something, moved money, got paid, or solved a boring problem… faster/cheaper than TradFi. For me, the winner is **stablecoins**. Why? Because the pain is real: * Remittances can eat \~6%+ in fees on average, and much higher in some corridors. * Stablecoins have quietly become massive payment rails (TRM estimated >$4T in stablecoin transaction volume Jan–Jul 2025). * Even Visa is pushing stablecoin settlement with USDC for institutions now. That’s “crypto” doing the unsexy job: moving money 24/7. **Quick story:** a friend in Nairobi did a freelance gig for a US client. Bank wire would've taken days + surprise fees. He got paid in USDC, cashed out locally, and was buying groceries the same afternoon. No drama. That’s the bar for me: fewer steps, lower fees, and less “please hold” energy. If a use case needs three wallets, two bridges, and a Discord mod, it’s not real life yet. Same filter for any presale crypto coins or ai crypto presale: show me users, not memes. And if it breaks when gas spikes, adoption dies instantly. Simplicity wins. Period. **Other real-world use cases I’ve seen** ***actually stick***\*\*:\*\* 1. **Getting paid globally** (freelancers, creators, remote teams) without waiting 3–5 business days. 2. **Everyday spending** via crypto cards / Apple Pay bridges (it’s basically an off-ramp with better UX). 3. **On-chain receipts** for tickets, loyalty, and memberships (less fraud, easier resale rules). 4. **Tokenised real-world assets** (still early, but the direction is obvious). I also browse the occasional **crypto presale** / **crypto presale list** to see who’s trying to connect crypto-to-real-life. Recently I came across **DigiTap Presale**: their pitch is an “omni-bank” style app with crypto + fiat wallets, plus virtual/physical cards that work with Apple Pay and Google Pay, and a $TAP token tied to rewards/buybacks (not affiliated, DYOR). Not financial advice. Just curious. No shilling, please. **So I’m curious:** what’s the best crypto-to-real-life use case you’ve personally used (or seen someone use) that made you go, “okay… this is real” — and why is it a crypto-to-real-life use case worth copying? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

coinfeeds-bot

tldr; Coinbase is exploring the concept of custom-branded stablecoins, allowing businesses to issue their own dollar-pegged tokens through Coinbase's infrastructure. These private-label stablecoins, backed by USDC or cash-like reserves, could streamline payment flows, reduce settlement times, and enhance loyalty programs. While offering operational advantages like faster payments and reduced fees, businesses must navigate regulatory risks, wallet security, and compliance. This innovation could reshape how companies handle payments, refunds, and cash management. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Django_McFly

You'll probably get better rates in defi than on Coinbase. Also, if you have enough, think about borrowing vs selling. The tax hit would be a night and day difference, especially when Coinbase honors PYUSD and USDC 1:1 with USD.

Carda999

I thought I could stake USDT (Tether) if I bought on Kraken but it's not on the list. The UK differs from European law, but is there anywhere a UK tax resident can stake USDT? Does USDC have similar staking benefits? My understanding is that during a bull to neutral market, staking us stable coins can earn well.

SchoolExpert6414

Cool to see Base expanding globally but honestly these "social + trading + payments + everything" apps usually end up being mediocre at all of it instead of good at one thing. The USDC rewards sound like typical launch hype to get downloads